Top Investment Schemes 2024: The world is celebrating International Women’s Day 2024 focusing on women’s empowerment through different tools. Females are leading industries, politics, education, technology, and other fields. So today we are discussing with you the financial literacy for women in India which will increase women’s empowerment and help them to become self-independent by investing in different business plans such as PPF, and gold. So you can check this article where we are discussing your four PPFs to Gold in India 2024.
Financial literacy is not just a buzzword; it’s a crucial tool for Indian women to navigate the complexities of the financial world and secure their futures. In a society where women are increasingly taking charge of their financial destinies, understanding the top investment assets becomes paramount. Check the top four investment options in 2024 that can empower Indian women towards financial independence and security.
Equities
Investing in stocks offers Indian women the opportunity to participate in the growth potential of companies across various sectors. While stocks come with risks, they also provide the potential for high returns over the long term. With proper research and guidance, women can build diversified portfolios tailored to their risk tolerance and financial goals. Platforms offering easy access to stock markets and educational resources have made equity investing more accessible to all, including women.
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Mutual Funds
Mutual funds accept money from multiple investors to invest in a diversified portfolio of assets, such as stocks, bonds, and other securities. For Indian women seeking a hands-off approach to investing, mutual funds offer professional management and diversification benefits. Whether it’s equity funds for growth or debt funds for stability, there’s a variety of mutual fund options catering to different risk appetites and investment objectives. Systematic Investment Plans (SIPs) enable women to invest regularly, even with small amounts, making mutual funds a convenient choice for long-term wealth accumulation.
Gold
Traditionally considered a haven asset, gold holds a special place in Indian culture and investment portfolios. Beyond its cultural significance, gold serves as a hedge against inflation and economic uncertainties. With innovations in the gold market, Indian women now have access to digital gold, Sovereign Gold Bonds (SGBs), and Gold Exchange-Traded Funds (ETFs). Digital gold offers a convenient way to invest in gold electronically. There are two main options: Sovereign Gold Bonds (SGBs) and Gold Exchange-Traded Funds (ETFs).
SGBs are government-backed bonds that track the price of gold and offer a guaranteed interest rate. ETFs are similar to stocks, where you buy units that represent actual gold holdings, but unlike SGBs, they don’t offer any interest. So, choosing between SGBs and ETFs depends on your needs. If you want guaranteed interest and tax benefits, SGBs might be a good fit. If you prefer flexibility and the ability to trade your holdings daily, ETFs could be the better option.
These options offer convenience, liquidity, and transparency, allowing women to invest in gold without the hassle of physical storage. Whether as a long-term wealth preserver or a short-term diversification tool, gold remains a timeless investment asset for Indian women.
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Public Provident Fund (PPF)
For Indian women prioritizing safety and tax-efficient returns, the Public Provident Fund (PPF) stands out as an attractive investment avenue. Backed by the government, PPF offers guaranteed returns and tax benefits under Section 80C of the Income Tax Act. With a long-term investment horizon and compounding benefits, PPF helps women build a retirement corpus while ensuring. Apart from this Central government is also running multiple investment programs for females including so Kanya Samriddhi scheme, lakhpati bahana scheme, mahila Samman certificate scheme, etc for investment where you can get fixed returns.
